2. Terms of use
Persons who access information on the Site agree to the following terms and conditions. Any special agreements with respect to individual services or products of BankMed shall be complementary to these terms and conditions, although in the event of any conflict, the provisions contained in any such special agreements shall prevail.

3. Investment performance
The future performance of an investment cannot be deduced from previous market value, i.e. the value of an investment may fall as well as rise. Past performance is not necessarily a guide to future performance. BankMed is not intending to provide investment or other advice to you or any other party, and no information or material at the Site is to be relied upon for the purpose of making or communicating investments or other decisions. An investment may also lose value due to changes in rates of foreign exchange. BankMed cannot guarantee that any capital invested will maintain or increase in value.

4. No offer
Neither information nor any opinion expressed in this Site constitutes a solicitation, an offer or a recommendation, to buy, sell or dispose of any investment instruments, to effect any transactions, or to conclude any legal act of any kind whatsoever. When making a decision about your investments, you should seek the advice of a professional financial adviser.

5. Limitation of liability
In no event BankMed shall be liable, including in the case of negligence, for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your use of the Site or your reliance on or use or inability to use the information, materials, products and services on the Site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if you advise us of the possibility of such damages, losses or expenses. Furthermore, BankMed disclaims all liability for any tampering with the Internet user’s computer system by unauthorized parties.

6. No reliance / no representation or warranty
The contents of the Site are distributed to you without any warranty of any kind. BankMed and the third party content providers disclaim any and all warranties.
Information on the Site is provided on an "as is", "as available" basis and to the fullest extent permitted by law. BankMed does not give or make any warranty or representation of any kind, whether express or implied in respect of such information whether in respect of the Site. Your use of the Site is at your sole risk.
BankMed does not warrant the accuracy, adequacy, completeness or timeliness of the information, material, products and services or the error-free use of the Site.

BankMed does not represent or warrant that the Site will be available or that it will meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

BankMed makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Nothing contained in the Site shall be construed as constituting specific investment, legal, tax, or other advice. The information or opinions contained therein have no relevance to the specific investment objectives, financial situation, or particular needs of any individual recipient of said information. You are advised to obtain specific, personal, and appropriate professional advice before making any investment decision. The information and opinions contained in the Site are provided for personal and informational purposes only and are subject to change without notice.

7. Material interests
BankMed and/or its partners, directors, officers, and employees may have or may have had an interest or positions in, or may, as market makers, trade or have traded in the securities described on the Site. Furthermore, such entities or persons may have or may have had a seat on the boards of the companies issuing such securities.

8. Local legal restrictions
The Site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the Site is prohibited. Persons in respect of whom such prohibitions apply must not access the Site.

9. Linked websites
The Site may contain links to other websites controlled or offered by third parties, which are completely beyond control of BankMed. Following links to any other off-site pages or other websites shall be at your own risk. BankMed has not reviewed any of these linked websites, and makes no representation or warranty in respect of information or material available there. In linking a third-party website to the Site, BankMed neither assumes nor accepts any responsibility or liability whatsoever in respect of the accuracy, completeness and legality of the contents of such websites, or for any offers, products and services contained.

10. E-mail
Electronic mail sent through the internet is not totally secure and can be intercepted by a third party. BankMed cannot be held responsible if messages sent to you by e-mail are intercepted or altered by a person or persons who are not the intended recipients. BankMed operates anti-virus programs and does not accept responsibility for any loss or damage arising from the use of such messages. For your protection, avoid sending identifying information, such as account numbers or credit card numbers to us or to others. Further, do not send time-sensitive, action-oriented messages such as transaction orders, transfer instructions, account information, or other requests and instructions to us by e-mail as it is not our present policy to accept such requests and instructions electronically.

11. Copyright
All information available on the Site is protected by copyright and is the property of BankMed, without prejudice to the copyright of third parties. No information contained on this Site shall be construed as granting any license or right to use any image, trademark, service mark, or logo of BankMed. In no event shall you acquire title to any software or material by downloading it, or otherwise copying it, from the Site. You may save or print out a hard copy of individual pages and/or sections of the Site, provided that you do not remove any copyright or other proprietary notices. With any saving or otherwise copying from the Site the terms and conditions for use shall be deemed to have been accepted. All property rights shall remain with BankMed.

BankMed reserves its rights with respect to copyright and ownership of all information available on the Site and shall enforce such rights to the full extent permitted by applicable law.

12. Applicable law
Use of the Site shall be subject to Swiss law, which shall exclusively govern the interpretation, application, and effect of all the conditions of use set out above. The courts of Geneva, Switzerland shall have exclusive jurisdiction over all claims or disputes arising out of or in connection with the Site and its use.